Enabling Payment Using Paperless Image Of A Check
First Claim
Patent Images
1. A method operational on a payor device, comprising:
- obtaining sufficient information to render an image of a check;
rendering a paperless image of a check at the payor device; and
transmitting the paperless image of the check to a recipient device.
1 Assignment
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Accused Products
Abstract
Payment or financial transactions are facilitated between two parties by utilizing mobile devices. A payor'"'"'s mobile device may be adapted to generate an electronic/paperless version or image of a check. The payor may make the paperless image of a check out to a particular payee so that it can be cashed from the payor'"'"'s checking account. The electronically-generated check may be in the form of an image than can be transmitted by the payor'"'"'s mobile device to the recipient'"'"'s mobile device. The payee then submits the received check, electronically or in paper form, to a financial institution for redemption.
162 Citations
40 Claims
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1. A method operational on a payor device, comprising:
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obtaining sufficient information to render an image of a check; rendering a paperless image of a check at the payor device; and transmitting the paperless image of the check to a recipient device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 15, 16, 17, 18)
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14. The method of claim 1, wherein the recipient device is a server for a financial institution and the paperless image of the check is transmitted to a wireless network access node that transmits the paperless image of the check to the server.
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14-1. A processing device, comprising:
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means for obtaining sufficient information to render an image of a check; means for rendering a paperless image of a check at the processing device; and means for transmitting the paperless image of the check to a recipient device.
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19. A processing device, comprising:
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a wireless communication interface; and a processing circuit coupled to the wireless communication interface, the processing circuit adapted to; obtain sufficient information to render an image of a check; render a paperless image of a check at the processing device; and transmit the paperless image of the check to a recipient device. - View Dependent Claims (20, 21, 22, 23)
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25. A processor-readable medium comprising instructions operational in a processing device for making payment with an image of a check, which when executed by a processor causes the processor to:
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obtain sufficient information to generate an image of a check; generate an image of a check at the payor device; and send the image of the check to a recipient device.
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26. A method operational on a payee recipient device, comprising:
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receiving a paperless image of a check from a payor device; and submitting one of either the paperless image of the check or a paper version of the check to a financial institution for payment. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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38. A processing device, comprising:
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a wireless communication interface; and a processing circuit coupled to the wireless communication interface, the processing circuit adapted to; receive a paperless image of a check from a payor device; and submit one of either the paperless image of the check or a paper version of the check to a financial institution for payment.
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39. A processing device, comprising:
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means for receiving a paperless image of a check from a payor device; and means for submitting one of either the paperless image of the check or a paper version of the check to a financial institution for payment.
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40. A processor-readable medium comprising instructions operational on a payee recipient device for receiving payment in the form of an image of a check, which when executed by a processor causes the processor to:
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receive a paperless image of a check from a payor device; and submit one of either the paperless image of the check or a paper version of the check to a financial institution for payment.
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Specification